Evergreen National Bank
Evergreen, CO · Cert 23404 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Evergreen Bcorp
National charter · OCC · 3 branches
Q2 2026
$139.9MAssets
$100.1MLoans
$122.0MDeposits
$17.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks under $1B in assets operating in a single state (rank 14 of 746).
- Widest gap: efficiency ratio trails 66% of banks under $1B in assets operating in a single state (rank 497 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 377 of 746
Net Interest Margin
5.42%
Rank 14 of 746
Efficiency Ratio
71.45%
Rank 497 of 746
Equity / Assets
12.55%
Rank 215 of 746
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.72% | 1.06% | 1.45% | Beats 49% | 377 / 746 | | |
| Return on Equity | 8.44% | 6.74% | 10.51% | 13.63% | Beats 37% | 472 / 746 | | |
| Net Interest Margin | 5.42% | 3.17% | 3.68% | 4.16% | Beats 98% | 14 / 746 | | |
| Efficiency Ratio | 71.45% | 55.74% | 64.58% | 75.47% | Beats 34% | 497 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.42% | 1.07% | Beats 75% | 190 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 63% | 275 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.54% | 11.55% | 13.75% | 17.60% | Beats 47% | 393 / 746 | | |
| Total Risk-Based Capital Ratio | 13.54% | 11.71% | 14.33% | 18.43% | Beats 42% | 429 / 746 | | |
| Equity / Assets | 12.55% | 8.90% | 10.51% | 13.06% | Beats 71% | 215 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.02% | 61.31% | 78.27% | 90.78% | 58th pctl | 315 / 746 | | |
| Loans / Assets | 71.51% | 53.60% | 66.97% | 76.08% | 61st pctl | 292 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |